2Apr

How AI Can Improve Your Brick and Mortar Store

Hong Kong’s retail market is highly competitive, and businesses need to stay up-to-date with the latest technologies to remain competitive. The rise of e-commerce has brought new challenges to brick-and-mortar businesses, but it has also opened up new opportunities for innovation. One of the most promising technologies for retailers is artificial intelligence (AI). In this blog post, we will discuss how AI can affect brick and mortar businesses in Hong Kong and how they can use AI to their benefit.

AI can have a significant impact on brick and mortar businesses in Hong Kong. By leveraging AI, businesses can improve efficiency, enhance customer experience, and optimize operations. Here are some ways that AI can affect brick and mortar businesses in Hong Kong:

Benefits of AI for Brick and Mortar Businesses in Hong Kong

a. Automation – One of the primary benefits of AI for brick and mortar businesses in Hong Kong is automation. AI can automate routine tasks such as inventory management, ordering, and checkout, freeing up employees’ time to focus on higher-value tasks. Automation can also reduce errors and improve efficiency, resulting in cost savings and improved profitability.

b. Personalization – Another significant benefit of AI for brick and mortar businesses in Hong Kong is personalization. AI can help businesses provide a unique shopping experience for customers by analyzing their preferences and behaviors. For example, AI-powered recommendation engines can suggest products that a customer is likely to be interested in based on their purchase history or browsing behavior. Personalization can help businesses build customer loyalty and drive repeat purchases.

c. Customer Service – AI can also improve customer service in brick-and-mortar businesses in Hong Kong. AI-powered chatbots can provide instant responses to customer inquiries, freeing up employees’ time and providing 24/7 customer support. AI can also help businesses identify and resolve customer issues more quickly, resulting in higher customer satisfaction.

d. Inventory Management – AI can help businesses optimize their inventory management, ensuring that they have the right products at the right time. By analyzing customer data and historical sales trends, AI-powered inventory management systems can make accurate demand forecasts and suggest optimal stock levels. This can help businesses reduce waste and avoid stockouts, improving profitability.

e. Data Analysis – Finally, AI can help businesses in Hong Kong analyze customer data to gain insights into their preferences and behaviors. By analyzing customer data from multiple sources, such as sales transactions, social media, and website analytics, businesses can gain a deeper understanding of their customers’ needs and preferences. This can help businesses develop more effective marketing campaigns, product offerings, and customer engagement strategies.

Implementing AI in Brick and Mortar Businesses in Hong Kong

a. Identify Business Needs – The first step in implementing AI in a brick and mortar business in Hong Kong is to identify the business’s specific needs. For example, a business might need help with inventory management, customer service, or personalization. By identifying the specific areas where AI can provide the most value, businesses can choose the right AI solutions and allocate resources effectively.

b. Choose the Right AI Solutions – Once a business has identified its needs, the next step is to choose the right AI solutions. There are many different AI solutions available, from chatbots to recommendation engines to inventory management systems. It’s important to choose solutions that are tailored to the business’s specific needs and goals.

c. Invest in Employee Training – Implementing AI in a brick and mortar business in Hong Kong will likely require employees to learn new skills and adapt to new processes. It’s important to invest in employee training to ensure that employees are comfortable with the new technologies and can use them effectively.

d. Monitor and Measure – Results Finally, it’s important to monitor and measure the results of implementing AI in a brick and mortar business in Hong Kong. By tracking metrics such as sales, customer satisfaction, and efficiency, businesses can determine whether the AI solutions are providing the expected benefits. This information can be used to make adjustments and improvements over time.

AI can have a significant impact on brick and mortar businesses in Hong Kong. By leveraging AI, businesses can improve efficiency, enhance customer experience, and optimize operations. To implement AI effectively, businesses should identify their specific needs, choose the right AI solutions, invest in employee training, and monitor and measure results. With the right approach, brick and mortar businesses in Hong Kong can stay competitive in a fast-changing retail market.

Don’t Forget to Have Insurance If You Decide to Integrate Business with AI

If a brick and mortar business uses AI for some of its operational processes, it is important to have the appropriate insurance coverage to mitigate potential risks associated with the use of AI.

One type of insurance to consider is cyber liability insurance, which covers losses from data breaches, cyber-attacks, and other technology-related risks. This can help protect against potential lawsuits or claims arising from the use of AI in their business operations.

Another type of insurance to consider is errors and omissions insurance, which provides coverage for professional negligence or failure to perform professional duties. This can be especially important if the AI system used by the business provides services or advice to customers, as errors or mistakes made by the AI system could lead to liability claims.

In addition, it may be beneficial for the business to consult with a specialized insurance provider that understands the unique risks associated with AI use and can help tailor coverage to fit their specific needs.

7Mar

How Insurance Companies Can Become Better at Using AI

Insurers Can Use AI to Improve Customer Experience, Develop New Products and Optimize Sales and Marketing Strategies

The insurance industry is ripe for disruption through the use of artificial intelligence (AI). Insurers that are able to integrate AI into every part of their business—from business process optimization to delivering reimagined products, services, and experiences to customers—can move into the achiever category to realize greater value.

Carriers looking to gain momentum with their AI investments can find opportunities in the front office and build out their next phase of growth. Our study explored three key front office use cases that I’ll be diving into in this post: customer experience, product and service development, and sales and marketing.

Customer Experience Intelligence and Journey Automation

When it comes to customer experience optimization, insurers are beginning to make progress compared to other industries—yet they are still in the early stages of AI activation.

Many insurers have invested in developing a single view of the customer and have been able to understand what products customers own, if they have recently made a claim or whether they have received a quote for another product.

While some insurers are starting to gain a better understanding of the interactions they have with a given customer, most insurers struggle to connect the customer journey across multiple channels and touchpoints. Far fewer are able to use those insights to understand the breakpoints in that experience and address them systematically.

Though many insurers have invested in customer relationship management (CRM) platforms to share customer insights across the enterprise, few have layered in AI to use those insights to orchestrate highly personalized customer experiences that span marketing, sales, service, and claims. Leading CRM vendors are integrating AI capabilities into their platforms, making it easier to embed out-of-the-box AI models into any workflow. Choosing such technology is a major opportunity to create omnichannel experiences and build a truly holistic view of each customer.

When it comes to automating parts of the customer journey, conversational AI remains a largely untapped opportunity for the insurance industry as a whole. Those that are creating self-contained conversational experiences that satisfy customers’ needs—rather than simply answering FAQs or pointing customers to where they can get help—are generating higher levels of satisfaction with significant customer service cost savings and reduced reliance on a challenging labor market.

New Product and Service Development

Recently, Accenture found that 88% of executives think their customers’ needs are changing faster than their businesses can keep up with. Factors like climate change and economic uncertainty are forcing customers to adapt to circumstances that are out of their control, moving through territory as they try to make the decisions that are best for them. Our research revealed a need for companies to shift from focusing on customer as consumer to developing a nuanced understanding of the customer as a multifaceted human being with complex and often contradictory desires.

This shift from customer-centricity to an approach we’ve coined “life-centricity” is especially relevant for carriers as they develop products. AI can help carriers widen their understanding of customer behavior and move outside of cookie-cutter customer profiles with data insights. It can help them build offerings that can be tailored to the needs and habits of customers as they move through their life, seamlessly recommending or upgrading individuals’ products to respond to events like the purchase of a new home or providing coverage as climate change reshapes natural disaster risk.

There are plenty of opportunities for insurers to create new products and services that use AI to realize more value and deliver enhanced experiences. We’re already seeing many carriers implementing AI in their auto insurance products to assess driver behavior and offer pay-as-you-drive policies.

As IoT and wearable technology improves, carriers will be able to use AI to gain an even deeper understanding of customer behaviors, meeting their needs and predicting what their needs might be in the future.

Insurers that are looking to gain momentum with their AI investments should focus on the front office, where there are significant opportunities to improve customer experience, develop new products and services, and optimize sales and marketing activities. By leveraging AI to power total enterprise reinvention, carriers can move into the Achiever category and realize greater value.

When it comes to customer experience, insurers should focus on building a single view of the customer, integrating AI capabilities into their CRM platforms, and creating conversational AI experiences that satisfy customers’ needs. For product and service development, insurers should shift from customer-centricity to life-centricity, using AI to widen their understanding of customer behavior and build offerings that can be tailored to customers’ needs and habits. Finally, for sales and marketing optimization, carriers should leverage AI to personalize customer interactions, optimize marketing spend, and identify potential cross-selling and upselling opportunities.

While implementing AI can be a daunting task, carriers that are able to successfully integrate AI into their front office operations will be well-positioned to achieve long-term success in a rapidly evolving industry.

26Jun

Expat Recommendations: The Most Instagrammable Places in Hong Kong

So, you want to know where the most Instagrammable places in Hong Kong are? Tourism and travel is in full swing globally. More and more tourists have visited Hong Kong and the city is gaining back its momentum.

Take scenic photos for the gram with this updated list. Here are some of our top expat recommendations:

Photo from Pinterest

The Victoria Harbour skyline – This iconic view is a must-see for any visitor to Hong Kong. It’s a touristy place but still worth the trip. The best time to visit the harbour for the best light is in the early evening. If you’re looking to splurge, take a 15-minute helicopter ride to snap a different perspective or shoot a breathtaking video.

Photo from dailytravelpill.com

Montane Mansion – Looking up at a tiny Hong Kong residential apartment block has taken the place of the traditional iconic photograph of planes landing at Kai Tak in Hong Kong as an emblem of Hong Kong life. A steady stream of people flows through the courtyard at this Quarry Bay apartment complex to get this wonderful vista.

Take the MTR to Taikoo station, then walk about 5 minutes down King’s Road to get to the block. It is a residential area, so be cautious.

Photo from cntraveler.com

Kowloon Walled City Park – This park is a surprising Instagram hotspot, with its bright colours and interesting architecture. Highly recommended for anyone who’s into history. An interesting fact about the walled city park is that it was once demolished in 1993. The park commemorates this history with a number of sculptures and plaques.

The park is located in Tsim Sha Tsui and can be accessed by taking MTR to East Tsim Sha Tsui station or Chungking Mansions station.

Courtesy Winerack/Alex Croft

Graham Street Mural – A bright mural on the wall of a Graham Street building is a magnet for both locals and visitors, making it one of Hong Kong’s most popular Instagram locations. The mural can be found in Sheung Wan and on a large number of Instagram accounts! It’s one of the most famous examples of city street art. To get there, take the MTR to Sheung Wan station.

From flickr.com

Lee Tung Avenue – Lee Tung Avenue may not be steeped in history, but this 200-metre retail walkway features heavily on Instagram thanks to the management’s canny habit of decking out the strip in themes to suit various calendar events throughout the year. The best time to go here is during the Christmas season when the avenue is lit up with sparkling fairy lights.

To get to Lee Tune Avenue, take the MTR to Wan Chai station and exit from Exit A. Walk straight until you reach the end of Hennessy Road and make a right onto Lockhart Road. Keep walking straight until you reach the entrance of Lee Tung Avenue on your right.

There are countless Instagrammable places in Hong Kong to explore. Whether you’re looking for breathtaking views, trendy restaurants or Instagram-worthy shopping spots, there’s something for everyone in this bustling city. So what are you waiting for? Get snapping and start planning your Instagram-perfect trip to the city!

If you’re planning to visit or stay for an extended period in Hong Kong, you’ll need insurance. We help find the best personal and business insurance for expats in the city! Connect with us today.

5May

How cancer burns through everything including your savings

Cancer takes more than lives. It also goes after a hefty amount of your savings.

In just a span of two years, half of all US cancer patients breeze through their funds, accentuating a total of $92,000 in twelve months.

This is all detailed in a new study called “Death or Debt? National Estimates of Financial Toxicity in Persons with Newly-Diagnosed Cancer” which was published this month. According to its findings, these heavy costs are mostly of risk to be shouldered by the elderly and those without insurance, among others.

Killer expenses

In the US, cancer comes second to heart disease as the undisputed title-holder of the most notorious killer.

But unlike heart disease which has a pool of research and funds dedicated to it, the cost of cancer treatment, for any country is financially unfathomable. Annually, 1.6 million new Americans are diagnosed with cancer. From this, 600,000 barely finish treatment and die.

The healthcare system credits to spending $87.8 billion yearly for patients. Specifically, unfinished treatments resulting in death leads to a $130 billion cost.

A huge portion of treatment expenditure still falls on the patient. The American Cancer Society along with the Cancer Action Network reports that as of four years ago, findings revealed that patients still shouldered a total of $4 billion on their end just for seeking cancer treatment.

Crunching beyond the numbers

The core of the study took 9.5 million patients and 16 years to see completion (1998-2014).

Setting aside the statistics, the medical study delineates the kinks that needed to be worked out when it comes to medical budget and productivity.

The journal is an updated study from the same set of authors from five years ago and is published in the American Journal of Medicine. Initially, in the study’s first findings, it revealed that cancer, specifically, breast cancer, accounts for 33 million sick days among the US working citizens annually.

The update to the study echoes a more heartbreaking revelation: half of the cancer-afflicted patients within their study have started and been easily sunk into bankruptcy due to treatment expenses.

This brings a new reality to the table: that the economy pulls a really tensioned string even to cancer patients who struggle with the cost of treatment.

When toxicity seeps to your finances

A big danger lies in the fact that the risk for financial toxicity goes greater with cancer treatment. After years of fluctuation in the economy, one would think that the financial burden on the patients would’ve lessened but has so far remained consistent.

Grant Skrepnek, one of the paper’s writers believes the results were “shocking,” seeing as to how figures have reached higher levels, which he has seen in his 20 years in cancer research.

Despite the advent of immunotherapy, which is pegged as a vital tool for the possible elimination of cancer, Skrepnek believes that it also has downsides, such as its ability to hamper predictions for cancer trends.

Jennifer Singleterry believes otherwise and sees a bigger threat in short-term healthcare plans.

Singleterry, a senior policy analyst from the American Cancer Society is concerned with the coverage of these health care plans, which have a limited coverage and “caps” – which hurts finances as it doesn’t include cancer treatment.

She adds that dependency to these short-term plans will only be harmful to those afflicted will illness, who will be left with even higher insurance premiums.

What this ultimately reveals is another layer of fear added to cancer: first the diagnosis, and now the financial horrors.

Village Insurance Direct helps expats in Hong Kong find critical illness insurance. Contact us for inquiries.

 

2Mar

Common Expat Concerns After Arriving in Hong Kong

Hong Kong is one of the safest cities for expats. There is also a large expat community providing an easier transition for people who move to the country as singles or with their families.

The biggest adjustment is often the language barrier but on top of that, there are other common concerns felt by expat. InterNations conducted a survey on November 2017 and these were identified as the most common concerns:

SOCIAL CIRCLES

Missing one’s friends is normal. But there is an expansive network of expats whom one can treat as their close support group. There are also numerous interest groups and organizations to join. In addition, social networks and instant messaging has made it easy to stay in touch with people back home. Setting schedules to chat or video call helps make the distance seem smaller.

Business culture with coworkers also falls under this category as Hong Kongers are known to be very serious workers. The most important thing to remember is to remain open and flexible with the local culture because it’s you who needs to adjust. You’ll find that the experience is more pleasant than what you may have initially assumed. One way to initiate social interactions with coworkers is adding them as a professional connection through LinkedIn. This establishes a professional yet approachable means of reaching out to people you work with.

GIVING BIRTH IN HONG KONG

Hong Kong has one of the top medical facilities in the Asia. Having a child is not so much the issue but rather making the choice of giving birth in a public hospital or subscribing to private health care.

Having health insurance that can cover $100,000 or more for prenatal and postnatal care implies checking into a private hospital so you can choose your own obstetrician, have a private room, and get regular check-ups with the same doctor. This is not to say that public healthcare is bad in Hong Kong. In fact, public medical facilities are quite advanced, however, one gains greater control over what happens to you with insurance and private care.

Village Insurance Direct is one of the few companies that help expats find comprehensive health insurance in Hong Kong.

GETTING A NANNY OR DOMESTIC HELPER

Expat parents don’t have to necessarily get a domestic helper or nanny but it is one of the normal practices for dual earning households. Having a nanny to take care of the kids instead of leaving them in a day care is preferred by more expats.

We’ve written a blog which provides useful information on the process and expectations when getting a domestic helper. You can read it here: Expat Guide: Hiring a Domestic Helper in Hong Kong

Note that employers are required to get insurance for domestic helpers. We also provide help in finding cheap insurance for expats.

IS IT WORTH LEARNING MANDARIN/CHINESE?

Taking on the challenge of learning a new language to better communicate with coworkers and new friends is worth the time and effort. Not only will it make life easier but you’ll find that you’ll be more open to exploring other activities outside of your comfort zone.

There are tutors that are available on an hourly basis. One can easily get an online tutor and conduct the lessons online to save the time of going to class. But learning is different for everyone so we recommend trying both to see which works for you.

Need help in finding personal, family, or business insurance? Contact Village Insurance for enquiries.

29Nov

Prostate Cancer Information in Hong Kong

Prostate cancer is among the most common cancers affecting men. In Hong Kong, it’s the fifth most common cancer with over 1,600 new cases every year and is the 3rd most common type of cancer among men in Hong Kong.

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The prostate is a gland that’s only found in men. It’s usually the size of a walnut, and is located below the bladder, surrounding the first part of the urethra, which allows urine to pass from the bladder to the penis. The prostate produces semen, a thick white fluid that mixes with the sperm produced by the testes. It also produces a protein called prostate specific antigen (PSA), which turns the semen into liquid. Prostate cancer is generally a slow-growing cancer, typically occurring in men over the age of 50. Research shows that over a third of men over 50 have some cancer cells in the prostate, while almost all men over 80 have some cells. The cause of prostate cancer is unknown, but generally the chance is increased if there is a positive family history; it is also more common in Western men.

SYMPTOMS

The symptoms of prostate cancer include:

  • reduced flow of urine
  • increased frequency in urination
  • uncomforatble urination
  • persistent pain in lower back, hips and thighs
  • in some cases, bloody urine.

EXAMINATION

The diagnosis of prostate cancer may include a digital rectal examination (DRE) by a doctor. Digital here is different to the “digital” in electronic equipment. Apart from DRE, PSA can be tested in blood to detect the presence of prostate cancer. However, PSA alone is not very accurate in diagnosing cancer.

It is important to have one’s self examined once you hit 40. Village Insurance’s best practice for recommending covers for males is to find insurance that also covers diseases such as prostate cancer. Insurance can cover treatment and maintenance for cancer.

We can help find the best global insurance for expats in Hong Kong. Get in touch with us for any inquiries. We’re always quick to revert.

 

13Sep

Is C-section the way to go?

In this day and age, Hong Kong stands strong in offering a lot more than tourist attractions and sparkling history. On par with many first-class countries, it prides itself with an excellent healthcare system. For both its residents and expats alike, it has become the place of choice for maternity and childbirth, owing to the structure in its services.

The Hong Kong health system, like many others, is categorized into two: the public and private sectors.

Being a Hong Kong resident with an “identity card” provides you with numerous benefits, including full utilization of their public health system.

Some say that it gets trickier and more complicated when it comes to foreigners, but there’s always no reason to feel lost and left out. Local or not, there’s nothing a good preparation can’t solve.

Adjusting to a childbirth in a foreign country is the first step. As mothers near their delivery, the next logical step is to figure out whether a C-section or classic delivery setup is the way to go.

Crunching the hard digits

In general, the World Health Organization suggests a 10-15% rate in C-section deliveries vis-à-vis a country’s healthcare status.  Since last year, numbers of C-section deliveries have been steadily increasing around the world. Currently, the Dominican Republic holds the top spot with 56.4%. According to this October 2018 research, Hong Kong currently has a Caesarian birth rate of 35%. It stands toe-to-toe with other countries like Turkey and Brazil, who each report rates of over 45%.

The good versus the bad

It is the expectant mother’s choice as to how she wants to have her baby delivered. However, in some cases, it is the doctor’s call whether to perform the surgery or not, particularly when the necessity arises in the situation.

C section deliveries are beneficial for mothers who are unable to bear the stress of the labor process. It is also recommended if more than one baby will be delivered. The procedure helps minimize the risk of having the baby contract a disease from passing through the vaginal area.

However, it also offers a balanced number of downsides. Mothers who opted for the surgical process tend to stay longer in the hospital for recuperation. There is an increased risk of pain or infection following the surgery and soreness is almost guaranteed. Staggering levels of blood loss may also provide low levels of Hemoglobin.

The rates

As an invasive procedure, C-section deliveries generally cost way more than vaginal births. Rates within Hong Kong vary with different hospitals, ranging from standard HK$ 17,000 to pricey lengths such as HK$ 141, 000 for high-tier private hospitals. As of June 2018, for example, the fee for a C-section surgery in St. Paul’s Hospital in Causeway Bay starts at HK$ 18,000 versus their fee for a vaginal birth which starts at HK$ 15, 000.

Ultimately, the choice rests upon the mother’s shoulders. There may be slight differences between private or public hospital settings but one thing remains the same: This is Hong Kong, and both options carry a high standard when it comes to medical care.

Village Insurance Direct provides expats in Hong Kong with health insurance that covers maternity expenses. Contact us for more information.

30Jul

Expat Guide: Buying a Used Vehicle in Hong Kong

While there are excellent public transport options in Hong Kong, there are definitely instances where having your own wheels makes life easier.

Here are tips for expats who plan to purchase a used car in Hong Kong:

1. Contact the seller

You might want to ask the following questions that are the most commonly asked in Hong Kong:

“How many previous owners has the car had?”

A car with many owners can be difficult to sell. Bear in mind, if a car has been imported from overseas then the number of previous owners shown will be zero.

“How many kilometres has it done?”

It can be difficult to accumulate kilometres on a car in HK. High-mileage cars are a big deterrent, especially for sporty cars, as these tend to get driven on weekends only.

“What’s the expiry date of the vehicle licence (registration)?”

Registration in Hong Kong is valid for one year. The fee is based on the engine size. Cars that are seven years or older will need a roadworthiness inspection (MOT) by a government-appointed garage within four months of renewing the vehicle licence.

If you’re happy after the initial Q&A, the next step is to meet with the owner. We suggest viewing the car during the day. Have a thorough look at the exterior and interior of the car, and at any maintenance history and receipts the owner may have. It’s rare to find cars with a full history, and the common story is that the missing records were “lost”. Most owners will be hesitant to allow you to test drive a car; instead, they’ll offer a “test ride” where you sit in the passenger’s seat for a drive.

2. Agree to a deal

If you’re happy with the condition of the car and ready to make a deal, what price should you offer? As with most things in Hong Kong, negotiation is common; it’s not unreasonable to offer 20% below the asking price. Once you both agree to a price, a five% deposit should secure your commitment. We strongly recommend you arrange an inspection; these range from HK$500 to $2,500 and can save you a lot of money and grief in the future.

3. Arrange insurance

Hong Kong requires a minimum of third-party insurance for a vehicle. Arranging insurance is quick and easy, and typically cheaper than in other countries. Note: Before committing to a car, make sure you are eligible for insurance. Certain car models require a minimum age and a No Claims Bonus (NCB) percentage. Village Insurance Direct helps expats find Motor Insurance that’s affordable and comprehensive.

4. Finalise the transfer of ownership

The final stage is to visit the Transport Department with the following required documents: insurance cover note, HKID, proof of address (within the past three months), and form TD25 to be completed and signed by both parties, along with a HK$1,000 transfer fee (at the buyer’s expense). The owner will sign form TD25 once they have received the remaining balance for the car. This can be done by cash, cheque or bank cashier order at the seller’s request

20Jun

Tips for Staying Fit While Pregnant

Exercise during pregnancy is different for every expectant mother. The most important tip to remember is to get clearance from your doctor before engaging with any type of fitness plan.

Women who regularly exercise and have been physically active prior to conceiving will more or less have zero issues with working in a fitness routine in their day. Walking is considered a safe and simple way to get one’s heart rate up.

CALORIE INTAKE

Although you are eating for more than one person, doctors advise that it is important to keep track of your pre-pregnancy weight to determine your required calorie intake to maintain your body’s and baby’s need for proper nutrition.

If your body mass index (BMI) is in a healthy range (between 18.5 and 24.9), you’ll need to eat about 340 more calories a day in the second trimester than before you were pregnant and about 450 more calories a day in the third trimester

PROPER WARDROBE

Stay comfortable by choosing looser fitting clothes that breath and regulates body temperature. Pregnant women tend to have higher body temperature and may overheat during a workout. In addition, make sure your maternity bra is supportive enough, and choose athletic shoes that fit properly. With your feet a little swollen than normal, choose footwear that is 1 to 2 sizes bigger.

EXERCISE AND STRETCHING HELPS WITH BACK & HIP PAIN

Common problems during pregnancy are increased lower back pain, pelvic instability, urinary issues, or reduced functional strength of the abdominal wall. Exercising during pregnancy helps reduce muscle tension. Prenatal pilates and yoga are popular fitness routines women can safely do to help with the usual discomforts of the condition.

STAYING SAFE WITH PROPER MATERNITY INSURANCE 

Maternity insurance covers costs for pre-natal and post-natal treatments. It also covers cost for natural or caesarean delivery where the latter can get very expensive without private insurance. Maternity insurance with extension also helps with costs incurred for fertility treatments and congenital birth defects.

Village Insurance provides help for expats in Hong Kong in finding the best maternity insurance for all of your needs. Get in touch with our agents for more information.